Checking or savings account — FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Problem making or receiving payments. On XX/XX/XXXX, I had an Online Banking Bill payment come out of my account. The same day I had a XXXX payment sent to me at approx XXXX. At XXXX I received a text message such and I received an email at XXXX stating that a payment was sent to me and was successfully deposited into my account. I also verified through the FNB banking app that the funds were available, and they were in my available balance. However, my bill payment was returned and I was charged {$37.00}, due to theXX/XX/XXXXpayment no being available to pay ACH/ Checks/ billpay items. I was notified 2x by the bank the funds were in my account and verified through the app the funds were available, only to find out the funds were held unbeknownst to me. Very misleading and not acceptable.